@alicia.cannon: 🔑 Mindset & Habits Start saving something right now – even $10/week. It's about building the habit. Live below your means – not just within them. Lifestyle creep is real. Avoid comparing yourself to others – especially on social media. Most people are faking it. 💳 Debt & Spending Pay off high-interest debt ASAP – especially credit cards. Use a budget that works for you – try 50/30/20 or zero-based budgeting. Track every expense for one month – it’ll show you where your money leaks. Unsubscribe from “deal” emails – they tempt you into impulse spending. Pause before any non-essential purchase – wait 24 hours. Often you won’t want it later. 🏠 Living Costs Keep rent cheap – house-hack, get roommates, or live with family if it helps you save. Don’t overbuy on a car – buy used, pay cash if possible. A car is a tool, not a flex. Cook at home – it saves way more than you think, especially if you meal prep. 📈 Saving & Investing Open a high-yield savings account – don’t let your cash sit in a 0.01% account. Start investing early – even $50/month into an index fund (Roth IRA, 401(k), etc.). Take free money – if your employer offers 401(k) match, max it out. Automate everything – auto-transfer to savings/investing so you never “miss” the money. 📚 Learning & Growth Invest in your skills – courses, certifications, side projects. In your 20s, your best asset is you. Learn basic personal finance – books like The Psychology of Money or I Will Teach You To Be Rich are worth it. Avoid get-rich-quick schemes – including sketchy crypto plays or MLMs. If it sounds too good to be true… 💡 Bonus Tips Build an emergency fund – aim for 3–6 months of expenses. Say “no” sometimes – FOMO is expensive. It’s okay to skip that trip, party, or dinner if it derails your goals.

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Saturday 09 August 2025 18:39:14 GMT